Legal expenses insurance

Legal expenses insurance provides indemnity to an insured in respect of defence costs they may incur as a result of any civil proceedings brought against them by a third party.

This can include cover for contract disputes, employment disputes, legal defence and tax protection.

Many insurers provide a legal telephone helpline to charities giving access to free legal advice. Insurers often require organisations to ring the helpline number as soon as a potential incident is highlighted and to follow the advice that's given.